Delaware: Cheapest car insurance

by Micaela Allen
March 14th, 2016

Whether you’re moving to Delaware or looking for a new carrier, you’ll want to compare quotes and read our list of cheapest cities to drive in order to save the most money on auto insurance.

Delaware was the first state in the Union, earning it the nickname, "The First State." Home to the first log cabins in the U.S. and tax free shopping, Delaware captures the original American spirit in such a small area. So if you want to move here for the tax breaks or you’re looking for a new provider, you’ll want to find a company and premium that’s as much as an original as you are.

The state average for car insurance in Delaware is $1,874/year.

Even with this average you can end up spending more or less depending on where you live and which provider you choose. As with any state, costs vary greatly in Delaware with a range of about $800 between large scale urban cities and small suburban towns. Keep in mind that there is a correlation between urban areas and higher insurance premiums. Typically a higher population leads to more car accidents and thefts, so insurance providers raise their premiums to cover the cost of a high amount of claims. If the cost of car insurance is a deciding factor in where you make your move, then you’ll want to consult the list below for the cheapest cities in Delaware.

The cheapest cities in Delaware to insure your vehicle:

Bethany Beach - $1,639

Clarksville - $1,643

Millville - $1,643

Ocean View - $1,643

Fenwick Island - $1,648

Rehoboth Beach - $1,648

Lewes - $1,649

Selbyville - $1,655

Dagsboro - $1,657

Millsboro - $1,659

Based on the above listing, you'll be able to estimate how much your insurance will be in these and surrounding cities. The prices were gained through extensive research, by ValuePenguin, based on several driver profiles that varied in age, gender, and marital status, but drove the same vehicle. Something to be aware of when looking at these prices is that all of the drivers had great driving records as well as good credit history. So if you don’t quite fit that criteria, then it might be best to tack on a few extra dollars in order to give yourself a more accurate estimate.

While shopping around, remember that you must carry the state minimum coverage set by Delaware that includes liability to cover other drivers’ medical and property damage expenses if you’re found at-fault in an accident. The state minimum has been set at 15/30/10 which includes: $15,000 coverage for bodily injury per person, $30,000 total coverage for bodily injury per accident, and $10,000 coverage for property damage. You might want to consider buying more than the state minimum if you’re worried you won’t be able to pay for uncovered bills out of pocket.

Start shopping with a comparison site that makes it easy to customize your coverage and earn discounts. Insurify’s intelligent, virtual agent can help assess what liability exactly fits your needs and give you the power to compare all carriers within your region to get you the best rate possible.